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In Chapter 13, the debtor retains ownership and possession of all of his or her assets, but must devote some portion of his or her future income to repaying creditors, generally over a period of three to five years. If this corridor is ever violated, then the universal life policy will be treated as, and in effect turn into, a Modified Endowment Contract (or more commonly referred to as a MEC).
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Modern medical care also depends on information - still delivered in many health care settings on paper records, but increasingly nowadays by electronic means.
This kind of relationship and interaction is a central process in the practice of medicine